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Micro-health insurance: how and why it works in Indonesia

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By Anonymous September 15, 2014 - 1:51am

Municipal solid waste (MSW) is graded as the highest importance waste stream in Indonesia, grounded on a country needs assessment analysis by the United Nations Environment Programme. Organic waste is not far behind schedule. It's not so much a lawful issue—Indonesia has approved a waste management law, nonetheless like the 18th amendment to the U.S. Constitution it is “not well implemented and enforced at all governmental levels. It is, though, costly to apply and pricey for consumers, which has led to low rates of obedience.

Urban areas such as the second largest city in East Java Malang, create more than 55,000 tonnes of solid waste every single day but then again only 50 to 60% is collected, the remainder moves to open dump sites, which have been associated to “early deaths, severe illness, and devalued quality of life.” There have been many complaints about this issue.

Households afforded with government-run waste management services are obligatory to pay a once-a-month collection fee—as minute as around $1.10 and as much as $3.20.

That's sensible for several Indonesians, nevertheless still almost 40% are living on less than $1.80 per day (adjusted for purchasing power).

“We are building a system for management of garbage in communities,” Gamal Albinsaid said. He's the founder of the social enterprise Garbage Clinical Insurance.

“It's a micro-health insurance program. Communities give garbage to us and pay a premium, about IDR 10,000 ($0.83). We convert the money to health fund and we give back to them in the form of health financing.”

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